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All Journal International Journal of Educational Review, Law And Social Sciences (IJERLAS) An Nuqud: Journal of Islamic Economics Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Koesmawan
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OPTIMALISASI WAKAF PRODUKTIF DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT Tanamal, Legis; Koesmawan
An Nuqud Journal of Islamic Economics Vol 4 No 1 (2025): AN NUQUD
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN PADA MASYARAKAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/annuqud.v4i1.2049

Abstract

Wakaf sebagai salah satu instrumen pengembangan yang potensial dalam bidang ekonomi umat Islam yang belum dimanfaatkan secara optimal. Wakaf bisa dimanfaatkan sebagai sarana dalam rangka mengatasi kesenjangan sosial dan kesejahteraan masyarakat dengan cara mengelola wakaf produktif. Wakaf produktif dapat diartikan sebagai harta benda yang dimanfaatkan dalam rangka kemaslahatan dan kepentingan produksi. Tujuan dalam penelitian ini adalah untuk menganalisis penerapan Optimalisasi Wakaf Produktif dalam Meningkatkan Kesejahteraan Masyarakat (Studi Pada Lembaga Wakaf Al-Fityah Kota Pekanbaru) dan faktor-faktor yang mempengaruhi optimalisasi wakaf produktif. Penelitian ini merupakan penelitian lapangan (field research). Pendekatan yang digunakan dalam penelitian ini adalah pendekatan analisis kualitatif deskriptif. Penelitian dilakukan di Badan Wakaf Al-Fityah yang dimiliki oleh Yayasan Pendidikan dan Pengembangan Sumber Daya Insani Al-Fityah. Teknik pengumpulan data menggunakan observasi, wawancara, dokumentasi. Hasil dalam penelitian menunjukkan bahwa penerapan optimalisasi wakaf produktif dalam meningkatkan kesejahteraan masyarakat yang dilakukan oleh Badan Wakaf Al-Fityah adalah dengan membuka usaha skala kecil seperti rumah makan, jasa laundry, minimarket, air minum isi ulang dll. Kemudian dampak penerapan wakaf produktif di lembaga wakaf Al-fityah dalam meningkatkan kesejahteraan masyarakat secara internal mampu meringankan beban masyarakat dan meningkatkan kesejahteraan masyarakat namun manfaat yang dirasakan hanya pada sekolah yang berada dibawah yayasan Al-Fityah dan masyarakat sekitar. Terdapat beberapa kendala yang dihadapi oleh Badan Wakaf Al-Fityah sehingga mempengaruhi optimalisasi wakaf produktif dalam meningkatkan kesejahteraan masyarakat yaitu usaha yang dijalankan memiliki tempat yang kurang strategis, promosi dari kegiatan usaha yang dijalankan masih belum optimal, dan wakaf yang dikelola oleh Badan Wakaf Al-Fityah terbatas pada wakaf uang. Penelitian menghasilkan rekomendasi bagi Badan Wakaf Al-Fityah untuk meningkatkan sosialisasi tentang wakaf produktif kepada masyarakat secara terus menerus dengan tujuan meningkatkan kesadaran tentang manfaat wakaf produktif
THE EFFECT OF ISLAMIC FINANCIAL LITERACY ON SAVINGS DECISIONS IN ISLAMIC BANKS WITH CUSTOMER VALUE MEDIATION (CASE STUDY: MEDAN CITY) Ihsan Rambe; Fathurrahman Djamil; Koesmawan; Didin Saepudin
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 3 No. 3 (2023): May
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v3i3.876

Abstract

This study aims to test, analyze and reveal the important role of Islamic financial literacy in improving saving decisions both directly and by mediating customer value at the Islamic banks. Customer value as an emotional bond that arises between customers and Islamic banks as intermediaries (mediation), is expected to be a stimulation for Islamic financial literacy to influence the decision to save in an Islamic bank. Previous research Bayar, et al (2017), Antara, et al (2017) hopes that literacy can advance Islamic finance. This research confirms that Islamic financial literacy can improve saving decisions at Islamic banks in Medan. The methods used in this study are descriptive and verifiable methods with a quantitative approach. The data analysis technique uses Partial Least Square (PLS) to see the structural model along with the relationship and influence of Islamic financial literacy and customer value and saving decisions in Islamic banks. This research proves that directly and indirectly Islamic financial literacy plays an important role in improving savings decisions in Islamic banks in Medan. Emotional ties also help Islamic financial literacy to improve savings decisions in Islamic banks in Medan.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI LITERASI KEUANGAN SYARIAH KARYAWAN BANK SYARIAH DI KABUPATEN KARIMUN Nasrullah, Muhammad; Koesmawan
An Nuqud Journal of Islamic Economics Vol 4 No 1 (2025): AN NUQUD
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN PADA MASYARAKAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/annuqud.v4i1.2001

Abstract

This research aims to analyze the factors influencing the level of Islamic financial literacy among employees of Bank Riau Kepri Syariah in Karimun Regency, Riau Islands Province. The study employs a descriptive quantitative approach with factor analysis techniques. The population in this study consists of all employees of Bank Riau Kepri Syariah Branch Tanjung Balai Karimun, totaling 64 individuals, who were also used as respondents (total sampling). Data collection was carried out through the distribution of questionnaires, while data processing and analysis were conducted with the assistance of SPSS software version 25.0. The research results indicate that the level of financial literacy among employees is categorized as low literate, with a percentage of 30.23%. Out of the nine factors tested, only one factor was found to have a significant influence on the level of financial literacy in Islamic finance, namely the perception of Islamic banking products. Meanwhile, the other eight factors did not show a significant influence either partially or simultaneously on the level of financial literacy in Islamic finance. The conclusion of this research indicates that although employees work in an Islamic banking environment, their understanding of the principles and products of Islamic finance remains relatively low. Therefore, it is necessary to enhance the capacity of human resources through ongoing training and comprehensive internal literacy programs in order to optimally improve the quality of Islamic financial services
Analisis Daya Saing Pariwisata Halal di Provinsi Banten Ahmad Darusalam; Amrizal; Erion; Gairah Sinunglingga; Koesmawan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i4.1665

Abstract

Indonesia is a country that has natural resources from a variety of cultures and ethnicities. Banten Province has beautiful and religious natural charm, making it a halal tourist destination, both locally and internationally. The aim of the research is to analyze strategies to increase the competitiveness of halal tourism in Banten Province. The research method uses a qualitative descriptive approach with in-depth interview techniques. Primary data was obtained from interviews with competent informants including the Banten Regional People's Representative Council, the Banten Provincial Tourism Office, the Indonesian Ulema Council and several Tourism Associations in Banten. and the Ministry of Tourism and Creative Economy. Qualitative data analysis using NVIVO software. The research results prove that to increase the competitiveness of halal tourism in Banten Province, the Tourism Office has taken strategic steps, including: The strategies used by the Banten provincial government in order to optimize halal tourism, namely conducting comparative studies, e-commerce or digital based tourism, Professional Human Resources Training, Infrastructure Development, Ease of Road Access
Co-Authors Ahmad Darusalam Amrizal Didin Saepudin Erion Fathurrahman Djamil Gairah Sinunglingga Ihsan Rambe Muhammad Nasrullah Tanamal, Legis